Dental insurance might seem like a complicated matter, but it’s generally offered in one of two ways: either through Marketplace healthcare plans or stand-alone dental plans.
When it comes down to it it’s important to make sure that your coverage works for you and your lifestyle. At the end of the day, it’s a good idea to have dental insurance, though many patients might skip it, especially in the face of paying higher monthly premiums for health insurance.
More on High vs Low Coverage
High coverage levels will have higher monthly premiums but will end up costing less when it comes to copayments and deductibles. You’ll pay more every month but less when it comes time to get your dental services.
The low coverage levels will have you paying lower monthly premiums but will end up costing you higher amounts of money in copayments and deductibles.
Dental Insurance for the Entire Family
It’s important not to think of dental insurance as something you only need when you’re older. The entire family needs dental insurance, whether it’s a teen need braces or a middle-aged adult needing a root canal.
The U.S. Centers for Medicare and Medicaid Services (CMS) asserts that you have more options than ever when it comes to choosing your dental insurance, reporting that nearly 600 Medicare Advantage plans were added in 2019.
It’s essential not to free-wheel it when it comes to your oral health. Make sure that you’re protected by dental insurance, that way you can get the treatment you need each year while making sure you can get on-the-spot treatment if needed. Taking care of your smile is a full-time job and the bacteria that invade the mouth and promote tooth decay don’t take days off.
Make Sure that Your Dental Insurance Gives You Real Value
It’s also important to take full advantage of your dental insurance throughout the year. If you wait until December to schedule your check-up, you may want to rethink your strategy when it comes to getting the most out of your dental insurance plan.
If you have any questions about your dental insurance plan, our team is here to help. Dr. Pantano specializes in restorative dentistry, working with patients from all walks of life. Audubon Dental Center works with a variety of insurance providers to deliver the best possible oral health treatments to our patients. Contact Audubon Dental Center today to schedule your consultation and learn more about who we are and what we do!